The Flats Homes with FHA Financing available

The Flats Homes with FHA Financing available

Welcome to The Flats, a charming subdivision nestled in the heart of Chattanooga, Tennessee, within the picturesque Hamilton County. This inviting community is designed for those seeking a blend of modern living and natural beauty, making it an ideal destination for families, young professionals, and retirees alike.

The Flats boasts a variety of beautifully crafted homes that cater to diverse lifestyles and preferences. With an emphasis on quality construction and thoughtful design, each residence offers spacious layouts, contemporary finishes, and a warm sense of community. Whether you’re looking for a cozy starter home or a more expansive family dwelling, The Flats has something to suit every need.

One of the standout features of The Flats is the availability of FHA financing for potential homeowners. This means that achieving your dream home is more accessible than ever. FHA loans are designed to help first-time buyers and those with lower credit scores secure financing with lower down payment options, making homeownership within reach for many.

Beyond the homes themselves, The Flats is conveniently located near a variety of amenities, including parks, shopping centers, and top-rated schools. Residents can enjoy the vibrant culture of Chattanooga, with its rich history, outdoor recreational opportunities, and thriving arts scene just a stone’s throw away.

Discover the charm of The Flats, where your dream home awaits in a community that feels just right. Embrace the opportunity to create lasting memories in this delightful neighborhood, and take the first step towards homeownership today!

Newest The Flats Homes with FHA Financing available

$365,000
3 Beds ⋅ 2 Baths ⋅ 1539804 MLS
Discover a new standard of maintenance-free living at The Flats at Mill Town, where beautifully designed, single-story one, two, and three-bedroom residences are complemented by resort-style amenities, including a community pool, dog parks, abundant green space, scenic walking trails, and easy access to a nearby pickleball facility--all within one of Chattanooga's most exciting new communities. This three-bedroom Flat is the crown jewel. A one-level home that lives like a penthouse, it delivers the kind of space, light, and ease typically reserved for high-end top-floor living--without the stairs, without the compromises, and without anything else like it in Chattanooga. From the moment you step inside, ceilings soaring over 10 feet and wall after wall of windows create an immediate sense of volume and calm. Natural light pours into every corner, giving the entire home an open, expansive, almost weightless feel. The oversized living space is both striking and inviting--perfect for hosting, relaxing, and everything in between. The kitchen anchors the home with style and function, flowing seamlessly into the main living area so everything stays connected. And here, luxury isn't an upgrade--it's the baseline. Quartz countertops, LVP flooring throughout, high-end finishes, and even the refrigerator all come standard--making this home truly, truly turn-key from day one. All three bedrooms are generously sized--no afterthoughts, no compromises--offering real comfort, flexibility, and privacy. And what truly sets this layout apart is the connection to the outdoors--two of the bedrooms feature their own private covered patios or balconies, creating rare, personal outdoor retreats that elevate everyday living in a way few homes can. Step outside and you'll also find a massive main covered patio that extends your living space beautifully--perfect for entertaining, unwinding, or simply enjoying a quiet moment. With multiple outdoor living areas, this home delivers the kind of indoor-outdoor lifestyle that's incredibly hard to find in new construction.

1792 S Watkins Street 305, Chattanooga
$235,000
1 Beds ⋅ 1 Baths ⋅ 1537993 MLS
Thinking about one of our one-bedroom flats? Don't wait. The first phase has officially sold out, and the next phase is coming soon! Demand has been incredible, and this is your chance to get in before the next release starts filling up. If you've been waiting for the right time, this is it. Finally--a one-bedroom that lives larger, feels brighter, and delivers more. Inspired by Seinfeld's iconic apartment--the kind of place where everyone gathers, conversations flow, and life just happens--this home is built around connection and ease. No split levels. No tucked-away corners. Just a seamless, single-story layout that makes everyday living feel effortless. Step inside and you're immediately greeted by ceilings soaring over 10 feet, creating an open, airy feel that makes the space live far beyond its footprint. Extra windows bring in an abundance of natural light, while the oversized living area becomes the true heart of the home--perfect for hosting, unwinding, or just enjoying a space that never feels confined. The kitchen flows naturally into the living area, keeping everything connected and conversation easy. And then there's the outdoor space--rare, usable, and done right. The expansive covered patio extends your living area in all the best ways, giving you a place to relax, entertain, or enjoy a quiet morning coffee, rain or shine. The primary suite offers a comfortable, private retreat with room to recharge, all while maintaining the home's open, thoughtful flow. With everything on one level, there's no wasted space and no unnecessary separation--just smart design that lives well. At The Flats, what you see is exactly what you get--and what you get stands out. Quartz countertops, LVP flooring throughout, soaring ceilings, added windows, and elevated finishes all come standard. Even the refrigerator is included, making this truly turnkey--something you rarely see in new construction.

1792 S Watkins Street 103, Chattanooga
$285,000
2 Beds ⋅ 2 Baths ⋅ 1537990 MLS
These are selling fast! This is the last 2 bedroom available at this price, so don't wait to come see what all the hype is about. Welcome to The Flats at Mill Town, where style, space, and simplicity come together in all the right ways--and where this two-bedroom really delivers. Designed for the way people actually live, this home takes everything great about open, social living and elevates it. No stairs. No split levels. No disconnected rooms. Just a seamless, single-level layout that feels effortless, functional, and easy to enjoy. From the moment you walk in, ceilings soaring over 10 feet and extra windows make an immediate impression, filling the home with natural light and creating that bright, airy feel that makes everything live larger. The open-concept living space is built for real life--host friends, relax in comfort, or just enjoy a home that never feels tight. The kitchen flows naturally into the living area, keeping everything connected and conversation easy. And unlike most new construction, what you see here comes standard: quartz countertops, LVP flooring throughout, elevated finishes, and even the refrigerator--making this truly turnkey from day one. Both bedrooms are generously sized, giving you flexibility for guests, a home office, or just a little extra space. The primary suite adds its own standout feature with a private covered balcony--the perfect spot for morning coffee or a quiet reset. And then there's the outdoor space--yes, spaces. Not one, but two covered patios, including a massive main covered patio that truly extends your living area. This is indoor-outdoor living that actually works--functional, comfortable, and ready to enjoy year-round.

1776 S Watkins Street 203, Chattanooga
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